Digital Federal Credit Union

In the bustling city of Waltham, the Digital Credit Union branch at 130 Lexington St is your friendly neighborhood partner for smart financial solutions. Whether you’re looking to secure one of the best auto loans available or open a personal checking or savings account tailored to your lifestyle, this welcoming branch provides expert guidance with a community touch. With convenient hours Monday through Saturday—including extended evenings on Thursdays and Fridays—it’s easy to stop by when it fits your busy schedule.
At this location, members enjoy a full range of services such as low-rate mortgage loans and refinancing options, credit cards packed with rewarding benefits, and business banking solutions designed to help local entrepreneurs thrive. Need quick cash? The on-site ATM makes withdrawals and balance checks simple during operating hours. Plus, Digital’s robust online and mobile banking platforms keep your accounts accessible anytime, anywhere.
Join over 1.15 million members who trust Digital for personalized service and competitive financial products. Visit the Waltham branch today or call 781-647-1506 to explore top-tier auto financing or comprehensive personal banking—experience local service that puts you first!

Type of Loan Offerings

home_equity_loans

Home Equity Loans

Program Name
Loan Type
APR
Term
Max Amount
CLTV
Link
Fixed-Rate Home Equity Loan Rates – Second Lien Position
Up to 5 Years
7.24 %
5 Yrs
60 %
Fixed-Rate Home Equity Loan Rates – Second Lien Position
Up to 10 Years
7.49 %
10 Yrs
60 %
Fixed-Rate Home Equity Loan Rates – Second Lien Position
Up to 15 Years
7.74 %
15 Yrs
60 %
Fixed-Rate Home Equity Loan Rates – Second Lien Position
Up to 20 Years
7.99 %
20 Yrs
60 %
Fixed-Rate Home Equity Loan Rates – Second Lien Position
Up to 5 Years
7.99 %
5 Yrs
90 %
Fixed-Rate Home Equity Loan Rates – Second Lien Position
Up to 10 Years
8.24 %
10 Yrs
90 %
Fixed-Rate Home Equity Loan Rates – Second Lien Position
Up to 15 Years
8.49 %
15 Yrs
90 %
Fixed-Rate Home Equity Loan Rates – Second Lien Position
Up to 20 Years
8.74 %
20 Yrs
90 %
mortgage_loans

Mortgage Loans

Loan Type
Product Type
Program Type
Rate
APR
Points
Term
Link
CONVENTIONAL
FIXED
10 Years Fixed
5.125 %
5.419 %
1
10.0 Yrs
CONVENTIONAL
FIXED
15 Years Fixed
5.375 %
5.641 %
1.375
15.0 Yrs
CONVENTIONAL
ADJUSTABLE
5yr/6mo ARM
5.375 %
6.632 %
1
5.0 Yrs
CONVENTIONAL
FIXED
20 Years Fixed
5.625 %
5.853 %
1.5
20.0 Yrs
CONVENTIONAL
ADJUSTABLE
7yr/6mo ARM
5.625 %
6.528 %
0.875
7.0 Yrs
CONVENTIONAL
ADJUSTABLE
10yr/6mo ARM
5.75 %
6.4 %
1.125
10.0 Yrs
CONVENTIONAL
FIXED
30 Years Fixed
6.25 %
6.439 %
1.625
30.0 Yrs
JUMBO
FIXED
Jumbo 10 Years Fixed
5.125 %
5.375 %
1
10.0 Yrs
JUMBO
FIXED
Jumbo 15 Years Fixed
5.375 %
5.61 %
1.375
15.0 Yrs
JUMBO
FIXED
Jumbo 20 Years Fixed
5.625 %
5.828 %
1.5
20.0 Yrs
JUMBO
FIXED
Jumbo 30 Years Fixed
6.25 %
6.419 %
1.625
30.0 Yrs
personal_loans

Personal Loans

Program Name
APR
Term
Amount
Link
Savings secured loans
3.5 %
10 Yrs
Credit builder loans
5 %
1 - 2 Yrs
$3,000
Fuel assistance loan – fixed rate
8.25 %
1 Yrs
$3,000
Energy efficient loan – fixed rate
8.75 %
5 Yrs
Access loan rates
10.85 - 12.6 %
6 Yrs
$25,000
Traditional signature loans
11.99 %
5 Yrs
Quick loan rates
17.99 %
1 Yrs
student_loans

Student Loans

Program Name
APR
Term
Link
Variable Rate Student Refinance Loan Rates
6.5 % - 11.25 %
5 Yrs - 15 Yrs
Fixed Rate Student Refinance Loan Rates
7.5 % - 12.25 %
5 Yrs - 15 Yrs
vehicle_loans

Vehicle Loans

Loan Program
Loan Type
APR
Term
Link
Auto
Up to 36 Months
4.99 %
3 Yrs
Auto
Up to 48 Months
4.99 %
4 Yrs
Auto
Up to 65 Months
4.99 %
5.4 Yrs
Auto
Up to 36 Months
5.49 %
3 Yrs
Auto
Up to 48 Months
5.49 %
4 Yrs
Auto
Up to 65 Months
5.49 %
5.4 Yrs
Auto
Up to 72 Months
5.49 %
6 Yrs
Auto
Up to 72 Months
5.99 %
6 Yrs
Auto
Up to 84 Months
6.99 %
7 Yrs
Auto
Up to 84 Months
7.49 %
7 Yrs
Auto
Up to 36 Months
9.24 %
3 Yrs
Auto
Up to 48 Months
9.24 %
4 Yrs
Auto
Up to 65 Months
9.24 %
5.4 Yrs
Auto
Up to 72 Months
10.24 %
6 Yrs
Auto
Up to 84 Months
11.74 %
7 Yrs
Motorcycle
Up to 36 Months
7.25 %
3 Yrs
Motorcycle
Up to 48 Months
7.5 %
4 Yrs
Motorcycle
Up to 60 Months
8 %
5 Yrs
Motorcycle
Up to 36 Months
10.85 %
3 Yrs
Motorcycle
Up to 48 Months
11.1 %
4 Yrs
Motorcycle
Up to 60 Months
11.35 %
5 Yrs
Recreational
Up to 36 Months
9.24 %
3 Yrs
Recreational
Up to 48 Months
9.24 %
4 Yrs
Recreational
Up to 65 Months
9.24 %
5.4 Yrs
Recreational
Up to 60 Months
9.99 %
5 Yrs
Recreational
Up to 60 Months
9.99 %
5 Yrs
Recreational
Up to 72 Months
10.24 %
6 Yrs
Recreational
Up to 72 Months
10.49 %
6 Yrs
Recreational
Up to 72 Months
10.49 %
6 Yrs
Recreational
Up to 36 Months
10.85 %
3 Yrs
Recreational
Up to 84 Months
10.99 %
7 Yrs
Recreational
Up to 84 Months
10.99 %
7 Yrs
Recreational
Up to 48 Months
11.1 %
4 Yrs
Recreational
Up to 60 Months
11.35 %
5 Yrs
Recreational
Up to 120 Months
11.49 %
10 Yrs
Recreational
Up to 180 Months
11.49 %
15 Yrs
Recreational
Up to 120 Months
11.49 %
10 Yrs
Recreational
Up to 180 Months
11.49 %
15 Yrs
Recreational
Up to 84 Months
11.74 %
7 Yrs
Recreational
Up to 120 Months
11.74 %
10 Yrs

Introduction

Welcome to Digital, your trusted partner in financial wellness, located at 130 Lexington St, Waltham, MA 02452. Since our establishment in 1979, we have proudly served a vibrant community of over 1,154,404 members, offering a wide array of financial services tailored to meet the needs of every individual and business. With total assets amounting to an impressive $12,123,497,336 and total deposits reaching $935,554,608, we are committed to helping you achieve your financial goals. Our dedicated team of 1,794 employees is led by CEO Shruti Miyashiro and Board President Lionel Raffi, who prioritize member satisfaction above all. We understand that banking can sometimes feel overwhelming; that's why we strive to create a warm and welcoming environment where you can feel confident about your finances. Whether you need assistance with auto loans, mortgages, or personal banking, we're here for you. While members can visit us at our branch address for day-to-day banking needs or inquiries, official correspondence should be sent to our mailing address at 130 Lexington St, Waltham, MA 02452-4633. At Digital Credit Union, our focus is on building strong relationships within the community. With a net worth of $1,170,409,164 and cash in hand totaling $78,643,707, we maintain a solid foundation to support your financial journey. Our loan portfolio includes over 566509 loans and leases designed to empower you while ensuring responsible lending practices. We invite you to explore all the services we offer by visiting our website at dcu.org or calling us at 781-647-1506. Join us today and experience the difference of being part of a credit union that truly cares about its members!

Branch History & Mission

Welcome to Digital, where our rich legacy and commitment to community service have thrived since we opened our doors in 1979. Located at 130 Lexington St, Waltham, MA 02452, we have been a cornerstone of financial support for our members, serving a growing community with a current membership of over 1,154,404. Over the years, Digital has evolved significantly, reflecting the needs and aspirations of our members. We've expanded our offerings to include not just personal banking solutions like checking and savings accounts, but also auto loans, mortgages, credit cards, and business banking services. With total assets reaching an impressive $12,123,497,336, we are dedicated to ensuring that our members have access to the financial tools they need to achieve their goals. Our mission is simple yet powerful: to empower individuals and families in Waltham and beyond by providing excellent financial services while fostering a sense of community. We believe that when our members succeed, we all succeed. This commitment drives us to engage in various outreach efforts, partnering with local organizations to provide support where it's needed most. Whether it's through financial education programs or community events, we aim to make a positive impact in the lives of those we serve. While you can visit us at our branch for personalized service during our convenient hours Monday through Wednesday from 9:00 AM to 5:00 PM, Thursday and Friday from 9:00 AM to 7:00 PM, and Saturday from 9:00 AM to 3:00 PM we also offer modern conveniences such as online and mobile banking. Our ATM is available for your cash withdrawal needs, ensuring that accessing your funds is quick and easy. For any official correspondence, please note that while members can visit us at 130 Lexington St, official mail should be sent to 130 Lexington St, Waltham, MA 02452-4633. Join us at Digital and experience firsthand the benefits of being part of a credit union that puts people before profits. We invite you to explore what we have to offer and become part of a community that values its members above all else. Reach out today at (781) 647-1506 we look forward to welcoming you!

Branch Location & Accessibility

Operating Hours

We know life can get busy, so we offer flexible hours to fit your schedule. Visit us Monday through Wednesday from 9:00 AM to 5:00 PM, and on Thursdays and Fridays, we're open until 7:00 PM! Need some weekend assistance? Swing by on Saturday from 9:00 AM to 3:00 PM. Our team is eager to help you during these hours.

Services Offered

At Digital, we offer a wide range of services designed to meet your needs. From checking and savings accounts to auto loans and mortgages, we've got you covered. Our ATMs are readily available for quick cash withdrawals and balance checks, providing you with access even when we're not open. While we don't have drive-thru service here, our staff is always ready to greet you warmly inside. For any official correspondence, please note that while members can visit us at 130 Lexington St Waltham Ma 02452, official mail should be sent to our mailing address at 130 Lexington St, Waltham, MA 02452-4633. Ready to take the next step? We invite you to visit us at Digital or give us a call at (781) 647-1506. Let's work together towards achieving your financial goals!

Member Eligibility

At Digital, we believe that everyone deserves to be part of a caring and supportive community. Joining us is simple and welcoming! If you live, work, or worship in the area or have family members who are already part of our credit union, you're likely eligible for membership. This means you'll not only gain access to a wide range of financial services but also enjoy the benefits of being part of a member-focused organization where your needs come first. To learn more about the specific eligibility requirements, feel free to visit our detailed guide at https://www.dcu.org#membership. Once you see how easy it is to become a member, you can start your journey by opening an account with us. We're here to assist you every step of the way, so don't hesitate to reach out at (781) 647-1506 if you have any questions. Together, let's take the next step toward achieving your financial goals right here at Digital, located at 130 Lexington St Waltham Ma 02452!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, our merchant services make transactions easier for your business. Picture this: a customer walks into your store ready to buy. With our payment processing solutions, you can accept payments quickly and securely, enhancing the shopping experience and keeping customers happy. We are dedicated to empowering local businesses in Waltham, MA, so stop by or give us a call at (781) 647-1506 to learn how we can help you thrive!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1,412 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $1,402,850,493, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

If you're a business owner, Digital offers robust business banking services, including merchant services to streamline payments and business loans that can help fuel your growth ambitions. We understand how important it is for businesses to have reliable financial support, and we are here to assist.

Connect with Us

We invite you to experience all that Digital has to offer. Our friendly team is ready to assist you with any questions or services you may need. Reach us at (781) 647-1506 during our operating hours: Mon., Tues., Wed., 9:00-5:00; Thurs. & Fri., 9:00-7:00; Sat., 9:00-3:00. Join us today and discover how we can help streamline your financial journey! Visit our website at Waltham for more information on how to get started!

Credit Cards and Rewards

Don't forget about our credit cards with rewards, which allow you to earn points on your everyday purchases. This means that every time you shop, you can be working towards exciting rewards that benefit you!

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we emphasize our online and mobile banking features, allowing you to manage your accounts anytime, anywhere. With tools like ATM & cash withdrawal services available at various locations, accessing your funds has never been easier. You can also enjoy basic ATM access for withdrawals and balance checks at your convenience. Our commitment doesn't stop there; we offer features such as e-statements, mobile payments, person-to-person transfers, and an intuitive mobile application designed for ease of use.

Personal Banking Solutions

When it comes to personal finances, having the right tools is essential. Our checking and savings accounts are designed with your everyday needs in mind, offering easy access to your funds while helping you save for the future. If you're planning to buy a car, our auto loans and vehicle financing options can help you hit the road without breaking the bank. We offer competitive rates that make financing a breeze. For those considering homeownership or looking to refinance, our mortgage loans and refinancing options provide flexibility and support through every step of the process. And if you find yourself needing extra cash, our personal loans and debt consolidation services can simplify your financial commitments by combining multiple debts into one manageable payment.

Digital & Online Banking

Convenient Online Access

With our online banking platform, available at https://www.dcu.org/, you can check your account balance, pay bills, and transfer funds without stepping foot outside. Our services are accessible 24/7, allowing you to handle your banking needs on your schedule. Whether you're at home or on the go, managing your money is just a few clicks away.

Easy Statements and Transfers

Stay organized with e-statements available at your fingertips. No more cluttering your mailbox viewing your statements online is simple and efficient. Plus, our person-to-person transfer service allows you to send money to friends and family instantly, making it easier than ever to share expenses or settle up after a dinner out.

Secure Transactions

Your security is our top priority. We offer electronic signature authorization, ensuring that your transactions are not only quick but also safe. Additionally, our mobile payments feature lets you make purchases directly from your smartphone while keeping your financial information protected.

User-Friendly Mobile Application

To further enhance your banking experience, we provide a mobile application that simplifies access to all these features. You can download our app today and enjoy the convenience of banking from anywhere, anytime. At Digital, we believe that managing your finances should be straightforward and stress-free. Explore all our digital banking options today and see how easy it can be!

Financial Strength

Commitment to Excellence

Our operational efficiency is reflected in our $0. This enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 1,693 full-time employees and 101 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Together

Total Share Accounts stand at 2,370,879, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments) are at $42,139,552. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Digital is your trusted partner. Visit us at 130 Lexington St Waltham Ma 02452 or call (781) 647-1506 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Member-Centric Savings

Members' savings are secured through $1,408,876,162 in share certificates and $2,932,199,001 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Reinvesting in Your Future

Our financial strength also comes from having $1,170,409,164 in undivided earnings. This allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $186,169 in used auto loans and $10,800,075,946 in total loans and leases, our lending capacity supports your financial goals across various sectors.

Solid Foundation

With a net worth of $1,170,409,164, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $965 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $2,486,644,812 in used vehicle loans and $1,320,728,760 in new vehicle loans already helping members get on the road. We also provide refinancing options if you're looking to lower your monthly payments or secure better terms on your existing auto loan.

Commercial Loans

For business owners, our outstanding commercial loans totaling $1,402,850,493 provide the capital needed to grow and expand your business. Whether you're starting a new venture or looking to enhance an existing one, we are here to support you with tailored financing options. At Digital, we believe that understanding your options is key to making informed financial decisions. If you have questions about eligibility or want more information on our loan products, feel free to reach out at (781) 647-1506. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore how we can assist you today!

Credit Lines and Unsecured Credit Cards

For those who want flexibility in managing their finances, we offer credit lines with a total value of $3,162,203,528. Additionally, our unsecured credit card loans amounting to $694,219,562 help members handle everyday expenses without the worry of collateral.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $880,247,336, make buying or refinancing simple. Our team is ready to guide you through the process, ensuring you find the best solution for your situation.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions allow users to make informed choices quickly. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights how LendMesh can effectively assist individuals in finding better loan options. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures that users receive fair and transparent offers that reflect current market conditions.

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